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Old 03-06-2012, 06:10 PM   #1
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Greetings

DW and I are both retiring at 57: she, this June, and I in January. We enjoy our Class B camper van, and riding our recumbent bicycles around the country. We plan to spend a great deal of time travelling next year, and photographing the country. I enjoy writing, as well.

I have a lot to learn about the markets, as all our non-pension funds are currently in tax deferred accounts we can't access until we retire (no waiting for 59.5). A lot of good discussions and links here, so it shouldn't take me long to get up to speed. No decisions necessary until next year.

Look forward to getting acquainted with everyone.

"Growing old is no excuse for growing up."
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Old 03-06-2012, 06:19 PM   #2
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And I'm NOT confused about dryer sheets.

They're very tasty.
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Old 03-06-2012, 06:28 PM   #3
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Welcome, trying to increase your post count already.
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Old 03-06-2012, 06:33 PM   #4
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Welcome aboard. Your interests are widely held here, you'll fit right in!
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Old 03-06-2012, 06:44 PM   #5
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Welcome and congrats on your upcoming retirement!
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Old 03-06-2012, 07:36 PM   #6
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Welcome!
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Old 03-06-2012, 08:45 PM   #7
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Welcome to the site. You'll find plenty of like minded travelers and campers here.
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Old 03-06-2012, 08:48 PM   #8
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Welcome! What kind of Class B do you have? I'm trying to get DH to take the plunge...
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Old 03-06-2012, 09:10 PM   #9
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Ooh, a class B. What make?

PS - welcome to the board.
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Old 03-07-2012, 04:35 AM   #10
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Welcome.
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Old 03-07-2012, 04:41 AM   #11
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Thanks for all the kind welcomes!

We currently have an older B: a 1995 Intervec Falcon. We have looked at newer Bs over the years and, nice as they are, have found nothing we liked as much as the Falcon. We've been considering something a bit larger; hadn't planned on buying anything until next year, but there's a very nice and lightly used Lexington 283TS nearby. I'd hate to take out a loan at this point, but we might take the risk to keep from losing that unit.

Meeting with the financial adviser tonight. *grin*

Thanks again for all the welcomes.

addendum - I added a photo of the Falcon in an album, for those who may be interested.
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Old 03-07-2012, 05:23 AM   #12
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Hi seraphim, welcome. I'm not an RVer but I do enjoy the dialog among them. Tanks for sharing the picture. Good luck with the financial advisor.
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Old 03-08-2012, 07:01 AM   #13
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Thanks Michael.

Meeting went well, though the FA is suggesting I work another 5 months beyond next January. It makes sense, but...
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Old 03-08-2012, 07:27 AM   #14
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Quote:
Originally Posted by seraphim View Post
Thanks Michael.

Meeting went well, though the FA is suggesting I work another 5 months beyond next January. It makes sense, but...
Have you run your numbers through Firecalc yet? You can find it here
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Old 03-08-2012, 07:36 AM   #15
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Welcome aboard. Your interests are widely held here, you'll fit right in!
Doesn't everyone pretty much fit right in here? I hope so!!! Welcome aboard the train to retirement and beyond!!!
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Old 03-08-2012, 07:49 AM   #16
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Doesn't everyone pretty much fit right in here? I hope so!!!
You might be surprised at the number of 'folks' the bouncers mods don't allow past the velvet ropes.
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Old 03-08-2012, 08:37 AM   #17
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Makes one wonder how I slipped through... *grin*

Michael

I ran the figures through the basic level of FireCalc. A 3% return in addition to our pensions would more than suffice our needs. FC showing a 100% prediction of success (not a prediction, I realize). Accounts would probably conHtinue to grow.

Working another 5 months would add about $25k to one account, plus I wouldn't have to pay Health insurance premiums those five months. Plus the additional paychecks. In addition, I could use an accumulated three to four months of vacation and actually not work, or sell a portion of that vacation time back for about $22k.

The FA is suggesting I work a bit longer not because I need to, but because of the amount of money I could accrue in that time.

Greed or laziness ... Which will win out?

I haven't explored the full capabilities of the program, yet.
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Old 03-08-2012, 09:43 AM   #18
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When my late wife and I sold our house/stuff and went fulltime Rving in 1997 we bought a (used) Class B PleasureWay........went from the B.C. Gulf Islands across Canada to Nova Scotia, down the east coast, then westward and down to the Baja where we camped on the beach for the winter....just outside Mulegé.

Back to B.C., sold the unit and bought an F250 HD Diesel and 5th wheel.......aaaahh, joy.
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Old 03-08-2012, 11:09 AM   #19
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Yea, some of those 5th wheels are nice. Were we selling the house, it would be the way to go. DW doesn't want to sell the house though, even though we still have a mortgage. Since we really should downsize, I suggested we sell the house, travel for a year, and find the ultimate retirement city (for us).

I can't get her to agree.
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Old 03-08-2012, 11:12 AM   #20
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The FA is suggesting I work a bit longer not because I need to, but because of the amount of money I could accrue in that time he/she can't retire yet and is loathe to see me able to do it.
FIFY...
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